Reserve requirements: history, current practice, and potential reform.

Federal Reserve Bulletin | June 1, 1993| | Copyright

Joshua N. Feinman, of the Board's Division of Monetary Affairs, prepared this article. Jana Deschler and Christoph Hinkelmann provided research assistance.

Laws requiring banks and other depository institutions to hold a certain fraction of their deposits in reserve, in very safe, secure assets, have been a part of our nation's banking history for many years. The rationale for these requirements has changed over time, however, as the country's financial system has evolved and as knowledge about how reserve requirements affect this system has grown. Before the ...

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